Q: Ms. Nikhat, I'm in India. Please advise on an ongoing issue with me for the last 2 years and for no reason, or you can say suffering without fault. I have issued cheques in a settlement for my cousin regarding his civil case. It was a claim of 2.2 Million with dividing the amount into 12 cheques of 20k each, and rest of the amount of AED 1.7 Million approximately in 13 months. Where it was clearly written in the agreement that as soon my cousin got his chequebook from the bank, all my cheques get replaced with the new one. As it took 2 months to get the new chequebook because of cousin's visa expiry, the other lawyer refused to replace my cheques and said if you want to replace they will keep my cheques as a guarantee. So we could not replace them with new cheques. He put my cheque into the bank and I left the country in August 2016. I'm still out and only my cousin is there in the UAE arranging the fund without any success. I lost my 12 years of Dubai experience and doing nothing. I don't know if I will face any issue in immigration for Qatar.

Q: I have a loan with UAE bank: 1 credit card outstanding value is 22,000 AED & one personal loan around 85,000 AED. I lost my job on Jun 2016. From there I unable to pay my EMI (6 months). Bank is not agreeing for settlement plan as per my request. Now they are saying they are going to file a case.Now my doubt, if I get a job in GCC other than UAE, will police catch me in the airport in any GCC? OR arrest is possible only if they file a case in that particular country?Please, advise.

Q: I have 3 bank debts in UAE and they already filed the case against me. Is there any possibility that arrest will happen in any other GCC countries? Right now I am working in Qatar.

Q: Sir, In the case of a UAE travel ban due to an unpaid bank loan, can someone travel freely to other countries such as Australia, Canada, UK, USA? And what are the consequences of UAE travel ban?

Q: Dear Sir, I have an unpaid loan from a Bank in the UAE, and credit cards as well. I left the UAE and now I need to know if there will be Interpol issues in case I want to travel to any country other than GCC countries? Please advise.

Q: I have an unsettled credit card in the UAE, and due to the pandemic, I have been unemployed for a long period of time. My unsettled amount was still counting and ballooned because of the interest. It is approximately 20k plus now. My question is, am I banned from traveling or will I be stopped in other countries because of this debt?

س: السلام عليكم، كنت موجود في الإمارات وصدر ضدي تعميم بسبب قضية مالية. الآن أنا خارج الدولة وحصلت على فرصة عمل في السعودية. هل سيُقبض عليّ عند دخول السعودية أو أي دولة خليجية أخرى؟ شكرًا

The management of individual financial affairs is crucial and all the actions must be weighed down while committing to any financial liability. Whether it's job loss that may have lead to financial failure or the opposite, one must be aware of the personal liability which will not diminish by paying fines for cheque bounce cases. There are two major types of liabilities, criminal liability and civil liability. Each has its own significance, hence, must be dealt with accordingly.